Maybe its because ive never been knocked off or involed in any other like incident on a bike, but i find this whole claiming for an "achey back" thing disgusting!
I was fairly recently invovled in a small car on car accident where a woman driving a beat up old banger clamped on in front of me, and my car contacted the back of hers (at low speed).
I pulled over, we checked damage (of which non was visible to either car) exchanged details as standard then went along my way thinking not a lot more about it.
2 months down the line i got a letter from her no win no fee solicitor instructing me that their client had suffered severe whiplash.
When i informed my insurance company The lady handling my claim said oh yes a"whiplash injury we get a lot of those these days, 8 out of 10 times its people after money for nothing, and there are actually some people who deliberately drive round in bangers slapping on the brakes and waiting for some one to hit them...it beats working for a living", She tried to claim £1200 from my insurance company who fought it and ended up bringing it down to £300, But i still lost my no claims.
This is not the USA people! if your not genuinely hurt to the point where it causes long term issues or financial losses, take it on the chin.
Its like burglars claiming when they fall down the stairs in a property they've just broken into.